Little Ferry at a glance
- Population: roughly 10,914 people; 100th of 323 places in New Jersey (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 10,986 (US Census Bureau).
- 2020 to 2023 change: down about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New Jersey places: 100th of the state's 323 Census places (US Census Bureau).
- Size percentile: about 69% of places in New Jersey are smaller (US Census Bureau).
- Coordinates: latitude 40.8434, longitude -74.0342 (US Census Bureau Gazetteer).
- Nearest larger cities: Ridgefield Park, NJ (1 mi); Ridgefield, NJ (1 mi); Palisades Park, NJ (2 mi); Fairview, NJ (2 mi); Hasbrouck Heights, NJ (3 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Moonachie, NJ (1 mi); Teterboro, NJ (2 mi); Carlstadt, NJ (2 mi) (US Census Bureau).
What a personal loan costs in Little Ferry
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New Jersey lending rules that apply in Little Ferry
Each row below is a New Jersey rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New Jersey Department of Banking and Insurance (DOBI); Office of Consumer Finance supervises consumer lenders Source says: "The Office of Consumer Finance regulates 16 types of businesses that provide a variety of consumer financial services." | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Criminal usury limits | 30% for non-corporate borrowers; 50% for corporations Source says: "the criminal usury limitation is 50 percent for corporations and 30 percent for non-corporate borrowers" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Civil usury: rates above 6% (agreement not in writing) or above 16% (written contract specifying the rate) Source says: "the civil usury rate is any interest rate greater than 6 percent for an agreement that is not in writing" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Payday lending status | Unlicensed payday lending violates New Jersey's civil and criminal usury rates; payday lenders must be licensed Source says: "out-of-state or foreign entities that have not obtained the required New Jersey license and whose payment terms violate New Jersey's civil and criminal usury rates" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lender license required for loans of $50,000 or less for personal, family, or household purposes (N.J.S.A. 17:11C-1 et seq.) Source says: "A consumer lender license is required for the making of a loan that is to be used primarily for personal, family or household purposes" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
How to compare offers in Little Ferry
A few practical steps will make the process in Little Ferry less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Jersey using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.